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Indemnity Health Plan
Indemnity
health insurance plans are also called "fee-for-service."
These are the types of plans that primarily existed
before the rise of HMOs, IPAs, and PPOs. With indemnity
plans, the individual pays a pre-determined percentage
of the cost of health care services, and the insurance
company (or self-insured employer) pays the other
percentage. For example, an individual might pay
20 percent for services and the insurance company
pays 80 percent. The fees for services are defined
by the providers and vary from physician to physician.
Indemnity health plans offer individuals the freedom
to choose their health care professionals. |
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